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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,784 | $63,845+25.0% | $81,370-1.9% | $80,959-1.5% |
| Participation rate | 97.4% | 63.9%+33.5pp | 69.5%+27.8pp | 67.7%+29.7pp |
| Annual return | 12.71% | 16.37%-3.7pp | 24.85%-12.1pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,668 | $1,980+34.7% | $2,464+8.3% | $2,757-3.2% |
| Participant deferral / active EE | $5,089 | $3,093+64.5% | $3,885+31.0% | $4,300+18.3% |
| Admin fee / account holder | $15,004 | $5,688+163.8% | $5,749+161.0% | $6,925+116.7% |